Credit card visa classic without annual maintenance. Five of the best bank cards without maintenance fees

Anyone can get such a convenient payment instrument as a debit card. But if you make a choice, then only among the best debit cards with free service in 2019.

The best debit cards with free service

Profitable debit cards of banks without annual service today is not uncommon. This mainly applies to simple payment instruments. Most of the cards are unnamed and belong to Visa systems(Electron) and MasterCard (Maestro). Free issue and maintenance is also found in Visa Classic, MasterCard Standard plastic, but they are most often free under certain conditions:

• when making transactions for a specified amount;
• when opening a deposit account with a bank for the amount specified in the agreement.

The procedure for issuing a card is simple - just bring your passport and fill out a questionnaire. A debit card can also be received as a gift when opening a deposit or applying for a loan, they are often privileged. Planning to get debit card, you should clearly define what it is for, and you should also find out:

• under what conditions it becomes free;
• what is the rate of the card with interest on the balance of funds;
• is there a cashback;
• how extensive is the ATM network;
• Is it possible to get additional cards on favorable terms?

The best free debit cards include:

• Pension Sberbank-Maestro;
• VISA Platinum- Russian Mortgage Bank;
• Gold MasterCard - Russian Mortgage Bank;
• MasterCard World Card Plus- Credit Europe Bank;
• MasterCard World "Super3" - VTB Bank of Moscow;
• MasterCard Standard Unembossed - VTB Bank of Moscow;
• Citi Priority MasterCard World - Citibank;
• MasterCard Gold "Simple income package" - Loko-bank;
• "Map No. 1" - Eastern Express Bank;
• "Key" - Home Credit;
• Cosmos - Home Credit Bank.

Free debit card of Sberbank - pension Sberbank-Maestro

For pensioners, the bank offers Sberbank-Maestro. The plastic is protected by an electronic chip. Issue and annual maintenance are carried out free of charge, but in case of loss or change of surname, you will have to pay 30 rubles for reissue. The account is opened in rubles for a period of 3 years. In addition to free service, there are other benefits:

• charge on the balance 3,5% annual;
• the opportunity to issue an additional card for a child when he turns 7 years old, but its annual service will be paid - the rate 150 r.;
• the right to use discounts and special offers valid for participants payment system Mastercard;
• the owner becomes a "Thank you" partner and receives all relevant discounts.

To receive a free debit card, a customer must meet the following requirements:

• the applicant for the main card must be 18 years old, and for the additional card - 7 years;
• the recipient may be a citizen of the Russian Federation, a foreigner or a stateless person, but must have the right to receive a pension;
• registration in the country - temporary or permanent.

Frequency of accrual of interest on the balance - 3 months. The countdown starts from the moment the card account is opened.

Debit cards VISA Platinum and Gold MasterCard from Russian Mortgage Bank

Commercial "Russian mortgage bank» offers free accumulative cards VISA Platinum and Gold MasterCard. This is a debit card with no service charge provided (it is enough that one is fulfilled):

• the daily balance on it is equal to or greater than 10 thousand rubles, $150, € 150;
• the owner has a valid online deposit;
• new card: in the first 2 months from the date of issue of the card.

The characteristics of both are identical:

1. Maximum interest rate in rubles - 8,5% , in dollars - 1,75% , In Euro - 1% .
2. Cashback - maximum 3% . Calculated for a period equal to 1 calendar month. Payment of taxes, utilities, telecommunications services, fines, fees, etc. are not included in the calculations. Amount charged is limited 5 thousand rubles. or $/€ 75 .
3. Interest is calculated daily and paid monthly.
4. Cash withdrawal is possible without commission at ATMs of the Bank and VTB partner bank, but the amount should not exceed 150 thousand rubles. per month or 2 thousand in currency. If the amount is higher, then a fee of from 1 to 5%, but not less 200 r. or 5 $/€ .
5. There is no charge for SMS notifications.
6. Transfers between the Bank's cards are made without commission. When making a transfer involving another bank, the latter may charge a commission for the transfer. If from third-party banks an amount exceeding 150 thousand rubles, commissions will be charged 1,5% from the amount exceeding the established one.

Calculation of interest at a rate of maximum size begins after the end of the first billing period and the onset of the second. The calculation is based on the date of issue and activation of the card. A prerequisite is the presence of operations for paying for services, goods, replenishment of a special card account during this period.

MasterCard World Card Plus - Credit Europe Bank

Universal debit card with free annual maintenance and zero issue fee CARD PLUS has the following features:

1. Issued instantly.
2. Interest is charged on the balance of funds in the amount of 10 thousand rubles. or more. The rate is 6.6%.
3. cashback- 5% in restaurants, gas stations, when making other purchases - 1% from the amount spent, but no more 5 thousand rubles.
4. For cash withdrawals at ATMs, both owned by the bank and at ATMs of other banks - 0% , but in the second case, the interest-free amount is limited to 5 thousand rubles. per month, in case of excess, a commission is charged 0,5% .
5. Information is free via SMS.
6. Limits:

• cash - maximum 60 thousand rubles. or 1 thousand dollars at bank ATMs;
• 180 thousand rubles or 2.5 thousand dollars at cash points (PVN).

MasterCard World "Super3" VTB Bank of Moscow

Noteworthy is the debit card of VTB Bank of Moscow without a monthly fee "Super3" with the application "Troika" to it. The annual maintenance of the main and additional cards is free of charge if at least one of the following 2 conditions is met:

• having a minimum balance 30 thousand rubles.;
• monthly expense from 15 thousand rubles.

The first month is free of charge. In case of non-compliance mandatory conditions starting from the second month, a commission of 99 rubles is charged. for the main product and 69 rubles. for extra.

The following benefits are available to the Super3 holder:

1. When paying with a card for all purchases, including services, products, other goods, Cashback is credited to Troika's balance up to 5% .
2. There is an opportunity to travel by metro and other public transport at the expense of the Bank.
3. For purchases over 10 thousand rubles. during the first 30 days after the card is issued, 10 welcome trips are provided.

The bank counts Cashback until the 10th day of each month. After receiving an SMS notification of accrual, it can be used for trips:

• on ground transport, monorail, MCC, metro;
• in Aeroexpress;
• visits to skating rinks, the Moscow zoo, the Tretyakov Gallery, the planetarium.

The Troika app is not linked to the Super3 card account. To use it, you need to write down a ticket on it, which is present in the tariff menu. Buying a metro ticket with Cashback is not available.

MasterCard Standard Unembossed from VTB Bank of Moscow

All the features of a regular debit bank card are also available to this MasterCard Standard Unembossed, designed for crediting social benefits and pensions. The issue and maintenance of a non-personalized VTB Bank of Moscow card is free. Specifications:

1. Interest is accrued on the account balance on a quarterly basis in the amount of 4% per annum.
2. Reissue, in case of loss, is free.
3. When withdrawing cash from ATMs owned by VTB PJSC, banks belonging to the VTB Group, the commission is 0. When using the cash withdrawal point of VTB PJSC, the operation is free, and at the cash withdrawal point of VTB Group banks, you will have to pay 0.5% of the withdrawn amount, but not less than 100 r.
4. A fee is charged for withdrawing cash from an ATM of a "foreign" bank 0,5% , but not less 50 r.
5. SMS banking is free.

Citi Priority MasterCard World from Citibank

A convenient payment tool for those who travel a lot is a debit card from the most reliable Russian bank, according to Forbes in 2016, Citibank. It becomes free provided that the average monthly balance is maintained in the amount of from 400 thousand rubles. or currency equivalent. Annual rate on balance - up to 8% . The main advantage is that you can open a card account in a bank in any currency:

• US dollars;
• Euro;
• Swiss francs;
• British pounds, etc.

The following privileges are available to the owner:

1. Cash withdrawals from all ATMs in the world are free of charge, provided that the average monthly balance on the card is more than 400 thousand rubles.
2. Making free ruble transfers to other banks via CitiPhone, Citibank Online, Citi Mobile.
3. The ability to become a member of the Citi Select program by simply confirming your consent after receiving the plastic. The owner of the payment instrument will receive bonus points when making purchases with the possibility of exchanging them for money, points of the Bank's partners or promotional codes. 1 select is equal to 20 rubles spent.

If the established average monthly balance for the calendar month preceding the settlement month is violated downward, the bank will charge a service fee in the amount of 250 r. When calculating the average monthly balance, they take the balances at the beginning of each day of the month for all accounts of the cardholder. They are added up, and the sum is divided by the number of calendar days in the month.

"Simple Income Package" MasterCard Gold from Loco-Bank

Apply for a profitable debit card of the Gold category in order to receive high percentage the rest can be in Loko-bank. Currency - rubles, dollars, euros. With a remainder from 20 thousand rubles annual percentage from 4 to 8.5%. For balance in dollars from 500 c.u. interest is charged from 0.75 to 1.5, and from 400 € - 0.75-1%.

In order to receive such rates, you need to fulfill 2 conditions:

1. Do not allow the daily balance on the special card account to decrease below 20 thousand rubles, 0.5 thousand dollars or 0.4 thousand euros.
2. The amount spent monthly on purchases in trade and service enterprises, on payments in Loco online, must be greater than or equal to 20 thousand rubles, 0.5 thousand $ or 0.4 thousand €.

There are certain conditions for obtaining minimum interest rates. There are 3 of them, the first two are the same as for receiving maximum bid, and the implementation of the third allows the calculation of interest when the daily balance exceeds 5 million rubles, 50 thousand dollars and 40 thousand euros. It is enough to fulfill one of these three conditions. If none is completed, no interest is charged. Annual maintenance of both the main and additional cards is carried out without commissions.

There is a monthly limit for cash withdrawals:

• 300 000 in rubles;
• 10 000 in dollars;
• 10 000 In Euro.

"Card No. 1" from Eastern Express Bank

"Card No. 1" - a debit card with a very favorable conditions. When issuing a main debit card without a service fee, you will have to pay 150 rubles, but the subscription fee for a calendar month is not charged in the following cases:

• if during the reporting period the minimum balance was maintained at a level not less than 30 thousand rubles;
• when in the reporting calendar month operations were carried out to enroll wages, pensions from the Pension Fund of the Russian Federation or non-state Pension Funds.

When listed in reporting period wages, the purpose of the payment should contain the word “wp”, “salary”, “earnings”, “s/n”, etc. When credited to the holder's account cash received from any Pension Fund, then the purpose of the payment must contain the corresponding word - “pension”, “content”.

For balance up to 500 000 r. interest is charged at the rate 7% , and the remaining amount more 500 000 rubles - 2% . The client can issue an additional card - Children's - free of charge. Connect to the main one for free mobile bank, Internet bank. For cash withdrawals at ATMs of PJSC CB Vostochny, the commission is 0% .

"Key" and "Space" from Home Credit Bank

Debit cards without annual service "Key" MasterCard and premium card Cosmos VISA can be issued at any branch of Home Credit Bank. Characteristics of the first:

• release - 0 r.;
• maintenance fee in 1 and 2 year - 0 r.;
• cash withdrawals from ATMs and PVN of the Bank - 0 r., in other ATMs and PVN - 100 rubles.
• interest on the balance of funds is not charged;
• cash withdrawal limit per day - up to 50 thousand rubles, for shopping - up to 500 thousand rubles

We decided to pick credit cards for which no service charge is required. To this end, our experts analyzed what is happening with credit cards in Russia. The data is current as of August 2017 and may change slightly in the future.

In the list below, we have reflected the list of Russian banks that provide free cards. But it is important to understand that financial and credit organizations give the right to use the card without a fee only in cases where you make purchases with a credit card for a certain minimum amount.

There are still cases when banks give only the first year of service. Starting from the 2nd year, they take full cost for the content. So be careful. We have tried to describe as much as possible all the cards that are fully or partially free of charge.

Banks with free credit cards in 2017: can be issued online via the Internet

1. Touch Bank card: free service or 250 rubles per month

Key features:

• The sum of the maximum credit limit– up to 1 million rubles
• Grace period without interest – 61 days
• Money back (cashback) – up to 3%
• Cash withdrawal - free of charge, replenishment - free of charge
• Service cost - 0 rubles, for purchases from 30,000 rubles. per month.
• In other cases, the service fee is 250 rubles. per month

The Touch Bank card is serviced free of charge under one of two conditions:

1. You must make purchases per month from 30,000 rubles.
2. The balance on a credit card should not fall below 50,000 rubles per month.

If you do not meet any of these conditions, your fee will be 250 rubles per month. In total, you will pay 3,000 rubles for annual maintenance. Quite a high fee, but the bank provides very loyal ways to get rid of the monthly fee.

2. Card "Conscience" from QIWI Bank: 5 years of free service

Key features:

• The amount of the maximum credit limit is up to 300,000 rubles
• Issuing a card - online via the Internet
• Cash withdrawal is not possible, replenishment is free
• Card validity period – 5 years

Installment cards are a new trend in the lending market. And banks are gradually starting to introduce them into their range of products for individuals. The "Conscience" card offered by QIWI bank has enormous advantages. But we are primarily interested in the annual service, which is completely free. In addition, this card can be obtained without proof of income.

You use a credit card, make purchases, and do not pay for the service at all. After the expiration of the five-year validity period of the card - draw up a new one.

Are there any tricks? The question is correct. We answer - no! The bank receives income in the form of a commission from stores where you will make purchases with the Conscience card. Everyone is happy.

3. Card "Halva" from Sovcombank: 0 rubles for 5 years

Key features:

• Grace period without interest – 365 days
• Issuing a card - online via the Internet
• Refund (cashback) - none
• Cash withdrawal - free of charge within the amount over the limit, replenishment - free of charge
• Service cost - 0 rub always
• Card validity period – 5 years
• Interest rate for installments – 0% always

"Halva" is almost the same as "Conscience". Only this credit card has a little more amount the limit within which you can purchase things in installments.

Both cards are very popular among citizens of the Russian Federation. They are leaders in the “installment cards” segment and you do not need to have a positive credit history to apply for them.

4. Card from VTB: free of charge or 249 rubles per month

Key features:

• The amount of the maximum credit limit is up to 350,000 rubles
• Grace period without interest – 50 days
• Issuing a card - online via the Internet
• Refund (cashback) - 5%
• Maintenance cost - first year 0 rub.

This financial and credit organization gives all new customers the right to use a credit card for the first year completely free of charge. Starting from the second year, you also have the option of not paying the annual fee. To do this, it is necessary that the annual turnover on the card is not less than 120,000 rubles. Otherwise, you will have to pay the full cost of the service. And this is 2,988 rubles every year (or 249 rubles per month).

5. Card from Renaissance Credit Bank: free of charge or 900 rubles per year

Now it is quite easy to get a credit card without an annual service fee.

Online application for a credit card with cashback without service fees

If the client needs this type of card, you can apply for it in the standard way. To do this, you must first select the appropriate product, and then fill out the questionnaire.

Application Rules

Usually filling out the questionnaire takes 5 minutes, and then it is considered within 15-20. You should indicate there only key data about yourself, as well as about the loan that you would like to receive. Since they are perpetual, only the desired amount and type of banking product are indicated here. Often this is a Classic Visa, but there are many varieties of it. Therefore, the client should first familiarize himself with the variety of banking offers. After reviewing the application, the client is contacted credit specialist and specifies in more detail where and when it is possible to get a card. Often you can focus on the need to receive funds on the day of the application. In this case, often many banks even bring cards home or to the office.

How to choose

To choose the most profitable free (without regular fees) cards, you should first pay attention to the following parameters: - percentage for using funds. It is important to immediately pay attention to this, since in rare cases, banks may initially pledge commissions in interest rate, increasing it to compensate for regular payments; — maximum amount(sometimes it is less for cards without regular commissions); — additional bonuses. Often banks offer cashback cards without annual maintenance. In this case, bonuses will be accrued depending on the type of product. For example, there are cards specifically for settlements on foreign sites - large bonuses are awarded for such purchases, which can then be spent there. It can also be bonuses for buying plane tickets or making payments at restaurants, bars, clubs.

List of free credit cards

To the list of banks with the most profitable credit products this kind includes:

1. Sberbank of Russia (no annual fees for all types of credit cards).
2. AlfaBank (a huge selection of cards with cashback and bonus systems).
3. VTB 24 (standard terms and minimum commissions).
4. Home Credit Bank (absence additional boards over the interest rate).

Also, all of the above banks provide their customers with the opportunity to receive a card on the day of application. At the request of the client, the card can be easily delivered to the office or home. Sometimes even the contract is concluded via the Internet and then the card can be sent by mail.

The table shows the offers of creditors included in the top 50 rating banking institutions country. The terms of the products provide for the absence of a commission for the maintenance of "plastic" in the first year of its validity.

Many lenders offer potential borrowers credit "plastic" with the CashBack function. The service allows the owner of a credit card to receive a part of the spent funds back to the card account. Their size is expressed as a percentage of the purchase amount. The amount of the CashBack rate, the conditions and procedure for the return, each bank determines independently. The accrued interest varies, as a rule, in the range of 1-5%.

There are also cards with the activated CashBack service on the credit market, the annual maintenance of which is not charged. The table shows some of the products offered by major banking institutions.

The leader of the banking segment of the country in its product line offers consumers 5 types of credit cards, the use of which provides for the absence of a commission for their annual service:

	Limit (thousand rubles)	Bid	Grace period
	120	from 25.9%	up to 50 days
	600

True, for its owner, "plastic" is free if it is issued as part of a personal offer approved in advance by the lender. Receiving the product on special terms is available only to existing clients of the institution, who are:

• participants of a salary/pension project – receive payments to a bank card;
• owners of debit products, subject to active use of the card for at least six months;
• bank depositors;
• positively proven borrowers under the institution's consumer/mortgage/auto loan programs.

A credit card with no annual maintenance is special kind bank offer, when using which the client is not charged monetary deductions in favor of financial institution who issued means of payment. Almost anyone can design such a product, and this service is provided completely free of charge.

Main advantages:

• long grace periods use of borrowed funds;
• convenience of settlement operations;
• absolutely free service;
• high limits of available funds;
• maximum loyalty financial organization to the holder.

How to choose the best credit card option

Moscow is one of the megacities with the maximum presence of banking institutions, so it will not be difficult to get credit cards with free service here. Our service provides a monitoring service for all available options similar loan from dozens of reliable financial institutions. Using the search tool, you can easily select and order a plastic payment instrument online, the annual maintenance fee for which is not charged. Our database has the most relevant lending offers in Moscow and will be able to select best option banking product for any needs.